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RCI Bank: Freedom Savings Account reviews

Name: Freedom Savings Account
Rating: 4.84 (11983 reviews)

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4.84

Based on 11,983 reviews, last reviewed 9th May 2026

70% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

90%

Latest highest rating:

5

RCI has the best interest rate RCI has the best interest rate out of all my banks. Reviewed on: 9th May 2026

Latest lowest rating:

1

I recently told RCI bank about an illness I have and... I recently told RCI bank about an illness I have and wanted to close my accounts. I was told my money would be in my nominated bank account by the clo... Read more Reviewed on: 12th March 2026

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About this product

The RCI Freedom Savings Account has unlimited access and a seven-day service.

The Freedom Savings Account is free to use and available to UK residents aged 18 or over. You need to pay in and out through an RCI Bank savings account or a linked UK current account.

RCI Freedom Savings Account reviews help you find out what it’s really like to be a customer. If you’ve used RCI before, you can also leave a review and share your experience.

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RCI Bank Freedom Savings Account reviews (11983)

Well designed website, easy to use.

Well designed website, easy to use. Kept well informed by email. Reviewed on: 29th January 2026

The RCI bank is trust worthy, reliable, honest with...

The RCI bank is trust worthy, reliable, honest with excellent communications either via text or online. Reviewed on: 29th January 2026

Easy online transactions, which are quickly acknowle...

Easy online transactions, which are quickly acknowledged. Reviewed on: 29th January 2026

Every time is understandable and it's all online

Every time is understandable and it's all online Reviewed on: 29th January 2026

Easy to use app and friendly staff if need to talk t...

Easy to use app and friendly staff if need to talk to someone Reviewed on: 29th January 2026

Rates have declined more than competitors

Rates have declined more than competitors Reviewed on: 29th January 2026

Great customer service fully informative

Great customer service fully informative Reviewed on: 29th January 2026

Freedom savings

It is easy to use the app and very convenient as a savings account Reviewed on: 29th January 2026

AMAZING!!

For a few years now I have had an RCI savings, I could not be happier that I have found a reliable trustworthy bank to keep my money in. I may not have much money, but to me, the money I do have is gold and to find a bank that I can trust which I can dip in and out, take money when I need and put money in with a trusted rate is amazing and I try and recommend RCI to people where I can. Reviewed on: 29th January 2026

Good account, but needs faster transfers

I have been using the RCI Bank Freedom Savings account as my primary easy-access pot, linked directly to my main current account. Overall, my experience has been a mix of convenience and slight frustration regarding modern banking standards. The Positives: Setting up the account was a very smooth and straightforward process. I’ve found the interface to be user-friendly, and moving money between RCI and my main bank is generally simple and reliable. As an easy-access account, it does exactly what it says on the tin in terms of accessibility. Areas for Improvement: The main drawback for me is the withdrawal timeline. In an era of instant "Faster Payments," the 1 PM cut-off feels outdated. If I request a transfer after 1 PM on a weekday, I have to wait until the next day to see my funds. Even more restrictive is the weekend policy; any request made on a Saturday or Sunday isn't received until Monday. I believe there is significant room for improvement here to bring the service in line with "real-time" expectations. The Interest Rate: While the rate is competitive, it isn't quite market-leading. I also have a slight concern that loyalty doesn't necessarily pay off here. While there is a reward structure for staying, it doesn’t always feel like it bridges the gap between RCI and the top-tier rates available elsewhere. Final Verdict: I am content to stay with RCI Bank for now as the "good" outweighs the "bad" for my current needs. However, due to the withdrawal delays and the interest rate positioning, I wouldn't yet highly recommend it to friends or family unless they are specifically looking for a simple, no-frills setup. Reviewed on: 29th January 2026

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